Summary
UNO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €258,083 and a net result of €37,682. Equity is growing by ~23.1% per year across the filed fiscal years. Its solvency ranks better than 90% of 5547 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
5 d late
2024
44 d early
2023
21 d late
2022
22 d late
2021
30 d late
2020
on the day
← before the deadline
after the deadline →
Checked, nothing found (1)
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#10 company by equity in Haacht, Finance and insurance sector
Equity
€258,083▲ 17.1%
2024 · €220,401
Net result
€37,682▲ 16.6%
2024 · €32,316
Total assets
€271,538▲ 11.1%
2024 · €244,408
Solvency
95.0%▲ 4.9pp
2024 · 90.2%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€12,756▼ 75.7%€79,977▲ 527%€49,903▼ 37.6%€39,230▼ 21.4%€53,946▲ 37.5%
Net result€10,648▼ 77.8%€63,976▲ 501%€40,099▼ 37.3%€32,316▼ 19.4%€37,682▲ 16.6%
Equity€79,010▲ 7.7%€142,987▲ 81.0%€188,085▲ 31.5%€220,401▲ 17.2%€258,083▲ 17.1%
Total assets€89,766▼ 21.6%€193,720▲ 116%€236,476▲ 22.1%€244,408▲ 3.4%€271,538▲ 11.1%
Debt€10,755▼ 73.9%€50,733▲ 372%€48,391▼ 4.6%€24,007▼ 50.4%€13,455▼ 44.0%
Working capital€79,010▲ 7.7%€130,603▲ 65.3%€175,714▲ 34.5%€220,401▲ 25.4%€259,089▲ 17.6%
Solvency88.0%▲ 24.0pp73.8%▼ 14.2pp79.5%▲ 5.7pp90.2%▲ 10.6pp95.0%▲ 4.9pp
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 38% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €271,538
Equity
€258,083 ▲ 17.1%
Debt
€13,455 ▼ 44.0%
Debt's share of the balance-sheet total falls from 9.8% to 5.0%. Equity is higher and debt is lower.
Key figures and ratios
ROE
14.6%▼
2024 · 14.7%
ROA
13.9%▲
2024 · 13.2%
Debt ≤ 1 year
€12,449▼
2024 · €24,007
Income taxes
€18,236▲
2024 · €9,733
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €9,079 | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | €6,639 | €0 | - | - |
| Other operating charges640/8 | - | €966 | €1,031 | €847 | €837 | ▼ 1.2% |
| Non-recurring operating charges66A | - | - | - | €6,228 | €0 | ▼ 100% |
| Gross operating margin9900 | €13,270 | €80,943 | €57,574 | €46,305 | €54,783 | ▲ 18.3% |
| Operating profit (loss)9901 | €12,756 | €79,977 | €49,903 | €39,230 | €53,946 | ▲ 37.5% |
| Financial income75/76B | - | €913 | €3,606 | €3,447 | €2,379 | ▼ 31.0% |
| Recurring financial income75 | €496 | €913 | €3,606 | €3,447 | €2,379 | ▼ 31.0% |
| Financial charges65/66B | - | €695 | €682 | €628 | €407 | ▼ 35.2% |
| Recurring financial charges65 | €186 | €695 | €682 | €628 | €407 | ▼ 35.2% |
| Profit (loss) for the period before taxes9903 | €13,065 | €80,196 | €52,827 | €42,049 | €55,918 | ▲ 33.0% |
| Income taxes67/77 | €2,417 | €16,220 | €12,729 | €9,733 | €18,236 | ▲ 87.4% |
| Profit (loss) for the period9904 | €10,648 | €63,976 | €40,099 | €32,316 | €37,682 | ▲ 16.6% |
| Profit (loss) for the period to be appropriated9905 | €10,648 | €63,976 | €40,099 | €32,316 | €37,682 | ▲ 16.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €89,766 | €193,720 | €236,476 | €244,408 | €271,538 | ▲ 11.1% |
| Fixed assets21/28 | - | €33,196 | €26,557 | €0 | - | - |
| Tangible fixed assets22/27 | - | €33,196 | €26,557 | €0 | - | - |
| Leasing and similar rights25 | - | €33,196 | €26,557 | €0 | - | - |
| Current assets29/58 | €89,766 | €160,524 | €209,919 | €244,408 | €271,538 | ▲ 11.1% |
| Amounts receivable after more than one year29 | - | €48,531 | €54,071 | €43,047 | €166,721 | ▲ 287% |
| Trade receivables290 | - | €48,531 | €54,071 | €43,047 | €166,721 | ▲ 287% |
| Amounts receivable within one year40/41 | €37,763 | €109,719 | €154,966 | €177,924 | €71,483 | ▼ 59.8% |
| Trade receivables40 | - | €55,400 | €145,675 | €119,275 | €60,000 | ▼ 49.7% |
| Other amounts receivable41 | - | €54,319 | €9,291 | €58,649 | €11,483 | ▼ 80.4% |
| Cash at bank and in hand54/58 | €3,472 | €2,274 | €882 | €23,437 | €33,335 | ▲ 42.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €89,766 | €193,720 | €236,476 | €244,408 | €271,538 | ▲ 11.1% |
| Equity10/15 | €79,010 | €142,987 | €188,085 | €220,401 | €258,083 | ▲ 17.1% |
| Contributions10/11 | €61,500 | €61,500 | €61,500 | €61,500 | €61,500 | = |
| Capital10 | - | €61,500 | €61,500 | €61,500 | €61,500 | = |
| Issued capital100 | - | €61,500 | €61,500 | €61,500 | €61,500 | = |
| Reserves13 | €6,150 | €6,150 | €6,150 | €6,150 | €43,832 | ▲ 613% |
| Non-distributable reserves130/1 | - | €6,150 | €6,150 | €6,150 | €6,150 | = |
| Legal reserve130 | - | €6,150 | €6,150 | €6,150 | €6,150 | = |
| Distributable reserves133 | - | - | - | - | €37,682 | - |
| Profit (loss) carried forward14 | €11,360 | €75,337 | €120,435 | €152,751 | €152,751 | = |
| Amounts payable17/49 | €10,755 | €50,733 | €48,391 | €24,007 | €13,455 | ▼ 44.0% |
| Amounts payable after more than one year17 | - | €20,813 | €14,185 | €0 | - | - |
| Financial debts170/4 | - | €20,813 | €14,185 | €0 | - | - |
| Amounts payable within one year42/48 | €10,755 | €29,921 | €34,205 | €24,007 | €12,449 | ▼ 48.1% |
| Current portion of amounts payable after more than one year42 | - | €6,513 | €6,628 | €0 | - | - |
| Financial debts43 | - | - | - | €4,038 | €0 | ▼ 100% |
| Other loans439 | - | - | - | €4,038 | €0 | ▼ 100% |
| Trade debts44 | €1,201 | €0 | €91 | €272 | €400 | ▲ 46.8% |
| Suppliers440/4 | - | €0 | €91 | €272 | €400 | ▲ 46.8% |
| Taxes, remuneration and social security45 | - | €18,408 | €27,487 | €19,697 | €12,049 | ▼ 38.8% |
| Taxes450/3 | - | €16,219 | €27,487 | €19,697 | €12,049 | ▼ 38.8% |
| Remuneration and social security454/9 | - | €2,188 | €0 | - | - | - |
| Other amounts payable47/48 | - | €5,000 | €0 | - | - | - |
| Accrued charges and deferred income492/3 | - | - | - | - | €1,006 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10,648 | €63,976 | €40,099 | €32,316 | €37,682 | ▲ 16.6% |
| + Depreciation and write-downs630 | - | - | €6,639 | €0 | - | - |
| Operating cash flow (approximation) | €10,648 | €63,976 | €46,738 | €32,316 | €37,682 | ▲ 16.6% |
| Investment in fixed assets (approximation) | - | - | €0 | €26,557 | - | - |
| Change in cash | - | -€1,198 | -€1,392 | €22,555 | €9,898 | ▼ 56.1% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
05-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 5 days late
25-06
State Gazette act
General meeting · Merger
Accounting effect · Name change · Philippe Peeters
25-06
State Gazette act
General meeting · Merger
Accounting effect · Name change · Philippe Peeters
23-06
State Gazette act
General meeting · Demerger
Accounting effect · Capital
2025
31-12
Financial
Liquidity doublescurrent ratio 21.81
Current ratio from 10.18 to 21.81; short-term debt falls from €24,007 to €12,449.
2024
17-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-04
Financial
Equity above €200,000Eq €220,401 ▲17.2%
5 profitable years in a row build equity to €220,401.
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
30-04
Financial
Equity above €150,000Eq €188,085 ▲31.5%
4 profitable years in a row build equity to €188,085.
2022
22-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
30-04
Financial
Highest result since 2020net €63,976 ▲501%
Operating result €79,977, net result €63,976, both a record.
30-04
Financial
Equity above €100,000Eq €142,987 ▲81%
3 profitable years in a row build equity to €142,987.
Show earlier events
2021
30-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
30-04
Financial
Weakest financial yearnet €10,648 ▼77.8%
Net result drops to €10,648, the lowest in the series; recovery starts the following year.
30-04
Financial
Liquidity triplescurrent ratio 8.35
Current ratio from 2.78 to 8.35; short-term debt falls from €41,195 to €10,755.
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Haacht · 1 establishment unit since 2018
Ground area
8,351 m²
Building footprint
2,451 m²
Volume, LiDAR
30,553 m³
2 parcels, Brussels, Flanders · tallest building 35.6 m, ±10 floors. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
UNO
since 20182.282.586.380
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24033B0316/00P000 | Flanders | 7,412 m² | 1 · 1,819 m² | 9.7 m · 2 fl. |
| 21808H0955/00K000 | Brussels | 939 m² | 1 · 632 m² | 35.6 m · 10 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
The group is listed under Ownership & control below; here you explore it as a network.
This company
Company
Director
Shareholding
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Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
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Of 24,730 companies in sector 64210 we hold annual accounts for 19,772. 13,687 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded19-11-2018
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
46190Agents in non-specialised wholesale trade
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.